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Bankruptcy Preparation

Start Shaping Your New Life Today We can help you clear up the confusion. New Clients need to bring the following items to their bankruptcy preparation appointment: It can be empowering to know your rights. We explain and protect your rights while we work with the...

Can My Bank “Offset” My Account?

Can My Bank “Offset” My Account?

When a Bank “Offset” an account, it means that the bank seizes funds from an account to satisfy an unpaid debt owed to the bank. For example, a bank may offset (take money from) a debtor’s checking account to pay for a missed car payment where the bank also holds the...

Tax Collector’s Right to Levy Your Bank Account

Tax Collector’s Right to Levy Your Bank Account

Most Tax Collector’s (the banks you owe money) have very little right to force collection from you without first winning a lawsuit against you for not paying back your debt. For example, if you stop paying your credit card bill, the bank who backs that card would have...

Why Some Chapter 13 Bankruptcy Plans Fail

Why Some Chapter 13 Bankruptcy Plans Fail

Chapter 13 bankruptcy is a powerful legal tool. It offers a number of advantages to a debtor, including the opportunity to erase certain debts and to catch up on mortgage arrears, missed car payments, and back taxes. Chapter 13 creases a debt repayment plan that lasts...

How Does Bankruptcy Affect My Mortgage?

How Does Bankruptcy Affect My Mortgage?

If you own a home and are considering filing for bankruptcy protection, you likely have many questions about how your home and mortgage will be affected by filing. First, understand that every bankruptcy case is unique and your options and how you will be affected is...

Why Are Some Creditors Paid in Bankruptcy While Some Are Not?

Why Are Some Creditors Paid in Bankruptcy While Some Are Not?

Just as some debts are treated differently in bankruptcy – some debts can be discharged (erased) in bankruptcy and some cannot – so too are creditors treated differently in bankruptcy, so why are some creditors in bankruptcy paid while some are not? Whether or not a...

George

George

George Foreclosure to occur in 10 days Filed chapter 13 Foreclosure stopped After filing George was able to do a home loan modification. He stopped the foreclosure by filing chapter 13 and then he lowered his payments by getting a home loan modification

Simple Steps to Setting Up Your Budget

Simple Steps to Setting Up Your Budget

Having a budget is one of the tenets of healthy financial management. Without a budget, you can’t know what you can afford or how much you’ll be able to save so that you can meet your financial goals, so we're here to help you set up your budget. For some people...

Do I Stop Using My Credit Cards If I File for Bankruptcy?

Do I Stop Using My Credit Cards If I File for Bankruptcy?

When we meet with someone for a free consultation, we are often asked if it is necessary to stop using credit cards if one plans to file for bankruptcy. Bankruptcy is a complex area of law, but the short answer is: yes, you have to stop using your credit cards if you...

Documents You Must Gather Before Filing For Bankruptcy

Documents You Must Gather Before Filing For Bankruptcy

The majority of people who are filing for bankruptcy don’t want to. Though, they realize that their debt is out of control and that filing for bankruptcy is the right choice to take control of their finances and get out of debt. Filing for bankruptcy is a serious...

How To Be the Ideal Bankruptcy Client

How To Be the Ideal Bankruptcy Client

We have been practicing bankruptcy law for over 35 years and we're here to make sure you are the ideal bankruptcy client. We are committed to helping our clients get out of debt and move on with their lives. As attorneys, we have certain duties owed to our clients and...

Feeling Harassed?

Bankruptcy should not be a confusing process, we can guide you to financial freedom. It’s time for a fresh start.

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